I'm going to use the letter, thanks.

It's just not information I would like them to be able to access.

Okay so is there anything else I could do?

Hello All, I had a student account with an overdraft, which has been passed on a DCA, now I did speak to them numerous times over the phone ages ago but that was before I knew better. Now I am kind of stuck on what to do as I had told them before that I could not afford the repayments as I was a student. Could I try to reclaim anything?

Hello all, Is there a form or a letter I can send to the DWP to withdraw consent from them in terms of contacting my employer?

I would need to get back to you on that.

Thank you very much for the letter draft, I would still like some more security before sending this, call me paranoid if you must.

Okay so a revival of this as it has been passed to Lowell, So I sent a letter to them saying that a 3rd party would take over payment and they said they cannot allow this as they would need me to sign a document to let the third party deal with it. Does anyone know how I would be able to allow the third party to get access without a signature or make it to that if they did try to lift it or any funny business it would be obvious/ not possible.

Would they have to provide the original as my account was pre 2007? I was thinking this was the case as they have provided no of the T&C's nor any other documentation listed. I thought the purpose of asking for a CCA was to prove that you agreed to the terms prescribed?

I didn't fall for it otherwise I would be here asking about it in detail as something looked fishy to me.

Also my signature cannot be found anywhere on the document they sent.

I have to send them a CCA request? I verbally requested one and that was their response. From what have read so far this is neither a the original nor a reconstituted credit agreement. It was just screen caps of a Bcard application file.

I'm not sure about the last payment, probably around 2010 to Barclaycard. The account was opened in 2006 around September

Hello all, So to give the background, I had a Barclaycard debt that was sold to Robson Way, they contacted me by letter to say they had taken over the debt. I called them (a mistake maybe) & told them that I had sent a CCA request to Barclay card. They sent me a letter saying that they had queried this with Barclaycard. Then I got a letter saing that the Original agreement couldn't be found and they sent a reconstituted one. Not to mention that they have now given 10 days to make a repayment proposal. Saying all of this what I received were some screen caps of my details when (there are no dated anywhere on the document) and where is says agreement signed the Yes option was selected. So I am here trying to figure out what to do next.

As far as I know there is a letter (in the library or forums) you can send of to tell them they are not allowed to visit your home and if they do so law enforcement will be called.

Oh and I recieved a letter from Lowell today saying " oh we don't have it so we'll ask shop direct for it" Wow, just wow. Here's hoping that they can't find it and send me a letter saying so.

Draft letter. Re: Credit Agreement Request (CCA 1974 Request). I am in receipt of your response to my s78 request dated...... Thank you for the information on transferral of the debt, however this was not the information requested. Are you advising that you no longer have the agreement in your possession, or that it is no longer in your possession because it has been destroyed, mislaid, or was never in existence ? It is my understanding that if a request was sent Re this account to the Lowell Group, they would have to "refer back to the original creditor" for a copy, in this case Very/Shop Direct Finance Company Limited. Therefore, I must insist you confirm if the original agreement in your possession? If you cannot supply the Credit Agreement then forward this letter to the Data controller or relevant department. Yours sincerely, llama247

Thanks guys, I was planning to send off some the SAR letters soon. I will do failure to comply letters this weekend and I haven't bothered with the CRA file. In reference to statements thats a no.

Oh and also after Santander fobbed me of they happened to tell me that I had PPi on the account which is absurd as I was a student at the time. So do you think I can get them to send me the break down/ statements where PPI was charged?

Okay, thanks a lot! So how should I proceed with Very? Think I should write to them and say that they should have it so I want it? Actually so you mean that as they haven't provided the CCA, they have breached the obligation?

Barclaycard was pre 2007, I never hold my breath, unless underwater. Very didn't return the fee and yes they were the original company. Lowell hasn't made contact yet. HSBC are no surprise and they have sent me a letter to say that they have also send the debt to Lowell. I sent the CCA request to them before they sent me that letter anyway. Santander, was through a DCA and the financial relationship ended this year.

Yes they have, but as far as I have reas you send a CCA to the original company you took the credit out with.

Sorry I mean the company it was taken out with as it has been sent to a DCA.

I think we have things mixed up I know that as my name is on it etc but I want to know if I can get it sent back to the original creditor and then the person who uses it can deal with it 'on my behalf'.

Okay so I have now sent CCA request letters to the creditors Barclaycard say they are looking for the CCA. Very say they can't help with the CCA as it has been sold to Lowell but they will forward my letter to them. HSBC haven't replied yet. Santander say they can't give me the CCA as I have paid all of the money via an agent and they have closed the account. So what now?